Montgomery County property record for 20 Keystone Dr, Gaithersburg, MD 20878
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,156 sqft · built 1974 |
| Lot Size | 0.226 acres (9,830 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,235 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01521405 |
| Primary APN | 09-01521405 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,156 sqft Living Area |
| Gross Area | 2,332 sqft |
| 1st Floor Area | 1,452 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,830 sqft (0.226 acres) |
| Garage Type | Carport |
| Garage Area | 348 sqft |
| Carport | Carport |
| Carport Area | 348 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01521405 |
|---|---|
| Street Address | 20 KEYSTONE DR |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20878-1879 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | WEST RIDING |
| Legal Subdivision | WEST RIDING |
| Legal Block | C |
| Legal Lot Number | 45 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 700823 |
20 Keystone Dr is owned and occupied by two individuals who acquired it in August 2020.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 18, 2023 | Deed of Trust, Mortgage · Commercial Mortgage SANDY SPRING BANK |
| Aug 28, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage MERIDIAN HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2020 |
| Deed Sale | Aug 28, 2020 |
| Prior Sale | Nov 10, 1997 · Amount on File |
| Deed Book / Page | 60396 / 232 |
| Prior Transfer Date | Aug 17, 2020 |
| Prior Transfer Doc | 0603960232 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 20 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Document Number | 0673730254 |
|---|---|
| Date | Sep 18, 2023 |
| Book Page | 67373/254 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, MD 21046 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Aug 28, 2020 |
| Property Address | 20 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Document Number | 0603960232 |
| Book / Page | 60396 / 232 |
| Map Reference | MB 96 PL 10693 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Document Number | 60396236 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 60396/236 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 20 Keystone Dr was $6,235, down 3.9% from the year before.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Municipality | Gaithersburg City |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $531,800 (+5.84%) Land $218,200 Building $313,600 | $531,800 (-) Land $218,200 Building $313,600 | |
| 2025 | $6,235.00 (-3.93%) | $502,433 | $531,800 Land $218,200 Building $313,600 |
| 2024 | $6,490.00 | ||
| 2023 | $443,700 Land $218,200 Building $225,500 | $443,700 Land $218,200 Building $225,500 | |
| 2022 | $5,093.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Keystone Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Oct 1979 · tidal / storm surge |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 20 Keystone Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people · EPA ID MD0150005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2018–2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 434 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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